Budget, Save and Earn MONEY the RIGHT way! | Ankur Warikoo Hindi
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- Опубліковано 27 вер 2024
- This video comes with an Excel sheet, check here: bit.ly/3X11y0N
Check the notes for the video here: bit.ly/3WT8jBY
Join me in this comprehensive guide to personal finance management. Whether you're just starting your financial journey or looking to enhance your money management skills, this video is packed with valuable insights and practical tips to help you take control of your finances and work towards financial independence.
In this video, I'll share essential rules for budgeting and saving money, emphasizing the importance of tracking your expenses, making necessary adjustments, and planning for the future. From setting realistic financial goals to implementing strategies to boost your savings and earnings, you'll learn how to optimize your financial resources and build a secure financial foundation.
Don't miss out on this valuable resource that can empower you to make informed financial decisions, achieve your financial goals, and create a brighter financial future.
#PersonalFinance #Budgeting #warikoo
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My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
Let’s connect online:
🎙 My weekly podcast Woice with warikoo (Spotify): open.spotify.c...
📩 My weekly newsletter warikoo Wanderings: ankurwarikoo.c...
📱 Instagram: / ankurwarikoo
🐦 Twitter: / warikoo
👨🏻💻 LinkedIn: / warikoo
😄 Facebook: / awarikoo
🖋 Daily Blog: ankurwarikoo.c...
This video comes with an Excel sheet, check here: bit.ly/3X11y0N
My Money Apps:
Indian Stock Investing (Zerodha): bit.ly/3iYKROh
Mutual Fund Investing (Coin by Zerodha) (You will need to create a Zerodha account for it first. Coin is free): bit.ly/3iYKROh
US Stock Investing + Investment Tracking (INDMoney): bit.ly/3tT5moR
Portfolio Investing (Smallcase): bit.ly/3u0is0I
Corporate Bonds (Wint Wealth): bit.ly/3sbUI8c
How to pick the right insurance (Ditto): bit.ly/3xFh7OU
The above links are for products that I personally use for my own investing. If you create an account on any of these using the above links, I stand to make a referral income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L. DO NOT assume that these are the best products in the industry. Please do your research and let me know if you have any questions.
My bestselling books:
'Make EPIC Money' here: amzn.to/3WHJ43F
‘Get EPIC Shit Done’: amzn.to/4fK1IR5
‘Do Epic Shit’: amzn.to/4fK9uuv
My gear for shooting this video:
🎥 Sony a7III camera: bit.ly/3M42wAV
🎬 Sony FE 24-70 f2.8 Lens: bit.ly/3KCCiF0
🎙 Shure SM7B Microphone: bit.ly/3O1NAVA
🔆 Fill Light 60W: bit.ly/37aJolP
💡 Key Light 150W: bit.ly/3O9nyjs
📽 Benro IT15 Tripod for Sony a7III camera: bit.ly/3O4PvJ1
The above links are on Amazon. If you buy any of these using the above links, I stand to make affiliate income from it. 100% of this income is contributed towards the education of kids who cannot afford it. In 2021 we contributed 38L, in 2022 we contributed 53L and in 2023 we contributed 52L.
You don't include inflation into your calculation.
Needs will increase according to inflation.
So if this year you need 15000 for your needs , you will need 15900-16050/- for buying the same exact goods and services at the same exact r quantity as previous year.
Sir mujhe 5 lakh invest karna hai 15 saal ke liye par samjh nhi aa raha kaha invest Karu plzz sir ek video banaiye na aap sir plzz 🙏
Please review the book - ' Early retirement extreme '
Also can u pls review posts of the blogs
1.early retirement extreme
2. Mr money Moustache
I would like to express my gratitude for sharing your expert financial planning advice. I would like to schedule a session with you to discuss how I can achieve some of my financial goals. I kindly request your availability for a consultation. I look forward to speaking with you.
Apke muh me ghee chakkr ❤ 3.6 L /Month 😅😅
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio..
There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist.
I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders
Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.
Her name is "Dianne Sarah Olson" just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
thank you for this pointer. It was easy to find your your handler, she seems very proficient and flexible.
मैने आपका book Make Epic Money पढ़ा सच में पैसा के बारे में बहुत कुछ सीखने को मिला जिस पर हम ध्यान नही देते थे Love U ❤
I follow you diligently Sir.
Created 2 Cr with 60 K SIP...will add more and more in next 10 years.
in how many years
@@overthinkersdd 11 years , 15.8% ROI ; Initial deposit 50k
How , what practice we shd follow of Ankur U did , pls tell I'n detail
@@AnitaKhatri-hq3ru I was initially saving 60 k.
1. Since last 2 years I hiked up by 10% each year.
2. I was more into FD and EPF/VPF and largecap SIP. I diversified more into SIPs - Index (20%), large & midcap (40%), Gold (10%) and smallcap (30%)
Incidentally smallcap grew by 50-60% in last 2 years..
How?
Its outstanding how you manage to bark the same damn 4-5 things since last 4 years and still make money out of it.
its the algo :) the also say these dreams video make the most money so new wrapper old story again and again...
Seriously man ! New age digital babas making a fool out of people. Sometimes, I feel he must have repeated this 50-30-20 rule atleast 100 times in his videos (no exaggeration. Very realistic number)
so true man
Hahahahha
He himself told if you are watching from past many years it means you not implement anything in your life just get information and move on
Mr Ankur
Pls dont be bog down by any if the negative remarks made here. I just want to applaud and reiterate that :-
1. Your repetitions are seriously helpful to ingrain the idea you're trying to put forth.
2. All your videos are wonderfully simple to understand which is a great thing especially with all that humongous content on this platform.
3. If somebody says that you're earning by doing the same thing over and over again, trust me ..they dont understand that you've found the very way to make/earn it, which essentially everyone watching your video here is trying to find and assess for themselves. So nevermind...
4. Lastly, its truly visible ..that you've worked really hard to reach at this level..doing content, writing books etc. and most importantly updating yourself with newer knowledge to perform it again and again confidently...which in my view is a lot of work for sure.
Keep working hard. Ignore the BS.
I AM INSPIRED, LEARNING FROM YOU EACH DAY and proud of you brother.
Thanks
Great to see positive people like you on UA-cam 😊
Sir will you make a money saving video for 18 year old or college students? As many teenagers also watch your content.
This man has single handedly created a strong money discipline in me over the last 1-1.5 years. I love your videos sir. Thank you for your relentless effort to financially educate youngsters like us. It is very helpful. I have read all your books and I am growing more financially secure every day. Always grateful.
Thank you 😊
Ankur, my plan is 30-20-50
and I am very happy with it, it works for me very comfortably
I am recording each and every coin I spend from last 1 June 2023
It works
all the learned friends are requested to record your spend. My experience is great ,it creates financial discipline
You have made 50 different versions of the same video..same videos from the past 4 years just titled differently ..this only works on excel..none of these numbers are practical
so true bhai
Ghuma fira ke ek hi chiz bata hai nothinv new . Its getting boring bhai .
I also used to feel the same but he cleared once in a podcast that "I'm a teacher and in this field there are limited topics and I've to talk about them again and again. If someday you feel like my content is getting repetitive then congratulations you have graduated from my class and now you can move on to your next teacher who can teach you something else" and since then I understood his approach and perspective.
Also, Excel file thing is not practical I agree but his purpose is not to teach you how to make 100crs in 20 years but making us understand how compounding works and what is the power of budgeting, investment, discipline and patience.
What is the basis for you to say that these numbers are not practical?
But kisi ne obey kara rule ?
Even after seen 50 diff version!
Thanks Ankur Bhai for reminding not to jump red lights (financial indiscipline) 😃
Despite knowing all the facts really need help to be on track, appreciate your efforts helping society 🌈🌈
Please ignore negative comments ankur sir kalyug h...
If u r too good that's also a crime in this kalyug🙌
One thing to learn from you Sir apart from financial goals, how you tackle your fumble during video. Its amazing
1:24 shi baat hai
What a detailed analysis 🙏🙏
As salary increases, so does the rent, and also considering inflation rate and other factors, only 2-3% effective increments will be there.
Thank you so much Ankur sir for sharing this kind of exquisite information with us. All such things helps us very significant in our early 20s. Thank you so much sir ❤️😊
I save and invest 75% of my income, still I am always anxious about expenses, 😮
Ankur warikoo ❤ you are the great sir 🙌🙌🙌..
Sir is it possible with salary of 56k can make 5 cr in 10 years by investing ??
Inspired by your work. Keep doing good work. Financial literacy now a day most important thing.
Ankur sir you are the best tutor ❤
Sir your videos and books totally helped me to achieve financial stability, but sir there is one small problem the term (TAX). Can you make a video explaining your first step towards tax when you started earning more please, it will really be a helping hand to today's youth.
Hope you read this message and I get a positive response from your side.
You are really inspiring Sir Thanks for your thoughts and experiences.
Thank you for such nice learning session... Always learn lot of things from you sir... 🙏🙏
Warikoo sir your all excel work is exceptional kindly add me in your money mindset series I need your advice in my financial life sir please consider
Thanks a lot sir for this video... Very Very practical in real life
I have gone through most of your videos and they are really helpful. How ever i didn't find you covering following topics related to brokers. I request you to enlighten us on following points:-
1. Is brokers like zerodha safe to buy stocks?
2.what happens if brokers go bankrupt?
3. What happen to our stocks when we buy them through brokers are the holding ir or is stored somewhere else? If so where are they stored and how safe are they? Can we clam the purchased share if brokers shut down?
4.if brokers go bankrupt how to claim our stocks and related documents as the website and apps of the same broker might not work?
3. Is there any other risk involved related to investors being deceived?
You taught us so much about investing and we are thankful to you. Kindly make a video to clear my confusion in above noted queries.
Zerodha and groww are just broker stocks and mutual funds you buy are stored in 2 company as per tie up of broker regulated by government you will get your stock even if broker get closed
I really appreciate the enthusiasm and hard work that you do to bring such informative content....there are very few people that are trying their very hard to create awareness among people and make social media less toxic than it us now.
Thanks for the amazing teachings teacher!
Thank you so much for the all knowledge you providing us but I have one concern or maybe a request why don't you talk about good-income people such as 24 LPA or maybe high make a video about this type of person who has good income source so they can plan their future thank you 🙏 once again ❤ what you doing 🙏
I guess people with good income already know budgeting. They wouldn't have been in good jobs if they were not wise. Lower middle class people need these tips more.
I love your dialogue sir, Excel Excel khelte hain.. waah. Thank you sir for giving me the best knowledge, which we need in our life . I am waiting for more and more videos of yours sir. God bless you and your family. AAP aur bhi videos banao, motivation and life mein kuch karne ka jazbaa Milta hai
Hi Sir,
I've implemented your concepts of personal finance almost 2 years now and it is actually going good i must say. One request if you can make a videos on how to plan your big expenses such as buying house/childrens education and also at the end the financial freedom it would be helpful for us people who have just started their careers 2/3 years back with basic package.😊
Thanks you for all the learnings sir
--
Regards
Siddhartha
I think you will find Ankur's video "Money you need in a lifetime" for the type of calculations that you mentioned helpful.
Sir you are my inspiration very well taught.😎😎
Thank u so much 🙏
entisen was right inflation compounding is eight wonders of the world
Take home salary is usually lesser hence ending salary/12 calculation isn't correct for monthly salary
Dear ankur warikoo, I am a 29 year old, govt officer earning 1.5 lacs in hand per month. I have been working for six years. I recently started watching your videos. I came to realisation that I have wasted so much of my hard earned money for so many years just partying with friends and literally throwing it away. Whereas, I could have invested it and would have already started seeing the phenomenal growth. Nevertheless, I have started investing now and being kanjoos, thank you so much for teaching me about financial management and investment. Wish I could have watched your videos few years back.
Profound Regards.
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Sir , I already buy this book from Amazon today .
Rich mind set🎉🎉
I think next book will be on EPIC STARTUP
Thank you so much sir🎉🎉🎉🙏🏻😇
really nice videos learning a lot from monen matters videos . please bring people who are more in debt .
Your videos are really helpful but my situation is different I really don't know if I am investing right m financial stability in my life 😢
Thank you sir it is really good for us.
Sir, can you include the future purchases like car, house, marriage in the time-line like you did in the previous videos and excel sheets, I'm not aware why you didn't include it but still I wanna know
sir you are my ideal all time
Thankyou sir ❤
Hello Ankur, can you please make a video on investments for a Businessman where there is no fixed monthly income,
Good evening sir. It's a very good and informative video as usual. I want to know about something. In most of the cases per year increment of salary for private employees is 5% and Government employees is 3%. Would you please guide us with the money management related to this matter.
Kyun bar bar same cheezen dekhna jaruri hai? To get this sh*t to your deep sub conscious mind ❤
i have search alot on youtube on REIT vs physical property.
none of the indian youtuber have video on this
please make a dedicated video which is better REIT OR physical property
Waise hi ankur sir baar baar kyu batate h taki aap grow karo hamara bharat grow karega
Please respect the person 🙏
At age of 56 , I am reading Make Epic Money. I wish I could have it in my 20's.
Excellent work Ankur!! It appears as we are talking through book.
Could you please share the excel sheet in xlsx format and could you please have a page on your website so that we can download it straight of your website . Thanks
Excellent sir 🙏🏻
Salary increment is even more less than the inflation
Outstanding sir
Hi sir..pls make a Vedio on when is the right time to migrate in student visa/ work visa to western countries that allow part time jobs until stay back as most of the countries ask for deposit to spend over there proving our financial stability which ranges from 10-15lakhs…also is it advisable to take a loan of this deposit and travel?..
Sir, what is the value for money concept as per today's currency and how it will act in future based on our investments?! Please say.
Sir, I would like to know more about 'Trusts' in india and how to effectively use it in financial planning. I hope you will hear out my request
First comment kr deata hu…Kya pata Ankur Sir like krde❤❤
Sir Kiya hum RBI Retail direct scheme par invest karna thik hoga🤔. Thora information
Sir please Make a course on stock market
Great sir
The thubnail copied from Iman Gadzi.
This is such a phenomenal presentation Ankur Sir! Only gratitude to you for providing all this so selflessly and seamlessly to the audience. I also try to assess my financial structuring with the help of your super super helpful videos👏🩷💐
Hello sir
Thanks for the amazing video sir
Really helpful
Sir I have a doubt
I just completed my graduation and I don't have any regular income
But I save enough in a year to invest
Can you tell us how to invest. Without any fix regular income
Hey, just one small if you can please it would be a great help... So, I'm thinking of investing asap but the confusion is that for which funds active or passive I should go with because best performing active funds keeps getting change and if I'll withdraw my money on the basis of 1 2 year poor performance of a fund and reinvest in the best mutual fund of that time it'll again change I end doing this same thing won't be able to leverage the benefits of compounding.
Sir,bangladesh Allah bless you needed for all Life. Your Most need her Bangladesh.
The idea to keep budget for Needs same and increase investment amount every year doesn't make sense when you factor in inflation into account. With inflation won't the budget for "needs" will go down? I mean if you keep ur budget of needs same but things keep getting expensive ur budget will not be enough for that then. Correct me if I am wrong.
Sir please ek naya topic pe video banaiye
Where to invest 5 lakh rupees at a time for 20 years.... and how much return will get.....?
@warikoo Ankur, please give access to edit the excel sheet attached to this video. Not able to edit anything in the sheet.
Hi Warikoo, can you please make a video on a portfolio with no mutual funds :) let's go 100% equity
Many Mutual funds are also 100% equity. Did you mean direct stocks investment?
@@Sarkartraining Yes
@@destructaphoenix6679 he has said in earlier videos that he doesn't recommend which stocks to buy on this channel as he isn't as expert in it. You will probably have to check other channels if you want to learn more about direct investments.
@@destructaphoenix6679 he has said it before in earlier videos that he doesn't suggest exactly which stocks to pick or how as he isn't as expert in it. You probably want to check other channels if you are interested in learning about picking direct stocks my friend
Sir SIP APNE BACHHO KA V KR SKTE HAI ?????
Hi ankur
Hope you are doing good
What do you suggest for handling rsus of us stock if that becomes a 90% your wealth
Sir
Excell sheet download nahi ho rahi hai,
Kya kare.
Nice video
Hey Ankur, I like the intention but this video doesn't value so much, thinking forward of 30-50years honestly doesn't make sense, and Honestly if I have 1.2 Cr after 30 years, it doesn't mean that much because even today 1.2Cr won't buy that great of a house. If you check big cities, we won't even get a good 3BHK, in small cities yes but not that motivating enough to see it as my 30 year goal.
Love you boss ❤❤❤
Sir i wanna ask that is it good to take out money from mf investment if required or I have not to touched that before certain age.
This rule works with people with low salaries
The person who lives abroad and has a high salary has land wealth 10 lakh to 50 lakh in the name of asset
Which rule works for them
whats ur salary bro
@@overthinkersdd Now zero But Asset 50L I can do anything with this money by selling this
Can someone explain ki ye age ke sath investment percentage kaise change karne hai? like do we have to stop that SIP and then start again with new percent aaisa hota hai ki kya?
Platform like groww gives option of step up your sip amount
hi sir , I am a 20 year college student , and I want to help my father in business , can you please give some personal advicee on where to start
01:48 thats what i was talking about
What will do with this money at that time also tell please
I’d be retiring or working less in 8 years, and considering this financial recession, Im deciding to begin taking up skilled trades. I’m curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $120K per year but nothing to show for it yet.
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Ankur warikoo sir you look like Shahmeer shikandar father's of pakistani drama you should check out sir😊
Can I get your excel sheet awesome
Pls make video on mutual fund.what Is it an how to invest
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10% salary nahi badhi sir, sirf 6% badhi hai wo bhi annual CTC pe not in-hand
Sir nifty fifty or mutual fund dono same hai iya alag?
Sir ek question hai ... 50 saal mein hamare paas bank mein agar 133 Cr. rahenge par value sirf 7 Cr. hi rahega to tab bhi to ham rich nahi honge. Am I thinking the right way sir? Please guide 🙏🙏
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Big fan sir
Sir please give me your guidnes personally how I can save and invest my money and where?
I am ready to pay fee❤
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Hi sir
Small doubt is it worth investing in Life insurance ULIP linked policy please advise me
No , dont do it . Instead go for seperate health insurance and term insurance. You should not mix term insurance and health insurance, this ulip is of no use ,u feel like u will get big amount after 30 year's, but the return on investment is hardly 3-5% on it .
@@civilbrains thank you sir for suggestion
Sir etf me invest kar sakte h batter for mutual funds
I'm using 70:20:10..
Hi sir Am 33now
Plz suggest me any part time work....dat makes future to me
Sir background music kam kero please
Assuming you start earning at 22 with no ancestral inheritance of wealth or property and you start everything from scratch and after 50 years of investing your age would be 72. What's the point of staying invested for 50 years when you are too old or who know might die at the age of 40-50. With this strategy your kids gonna be in good financial situation,. Unless you directly invest in stocks by yourself or manage your portfolio or have multiple sources of income or good business. Dont meant to offend anyone but this is very basic/ naive approach that only kids gonna benefit from it and mostly those fund managers gonna make money out of your money and share the peanuts with you in the form of 15% returns. Please learn to do direct stock investing instead of these SIPS
First you don't need to invest for 50 years invest for 30 year and you are saying invest directly in stock do you think a regular job going person can regularly daily manage its stock portfolio TAKING A HUGE ASSUMPTION THAT HE KNOW ABOUT STOCK MARKET AND THEN TAX ETC ETC